Welcome Booklet

Multi-CurrencyCash Passport™

That’s it. You’re ready to travel and spend!

Let’s get you startedWe know you’re busy planning your trip and with 3 easy steps your Card can be up and running.

Thank you!We’re so pleased you chose the Sainsbury’s Bank Multi-currency Cash Passport™. Your new Card really is a smarter way to travel.

Let’s stick together In addition to packing your essentials for your trip, we also recommend you take this Welcome Booklet along with you. If you need any help, it will come in handy.

Sign the back of your Card

Remember your PIN Your Card is ready to use

Create your online account at www.cashpassport.com/sainsburysbank to view your Card balance, move money between the Currencies on your Card and check your transactions

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How do I? Can I?

Instore at Sainsbury’s Travel Money Bureaux

Online or via internet/phone banking

By phone (Card Services)

Reload my Card Different exchange rates and reload limits may apply depending on if you reload instore, online or by phone

Yes Reloads appear on your Card instantly

Yes, visit www.cashpassport.com/sainsburysbank for details

Online reloads - take up to 1 working day to appear on your Card. Internet/phone banking reloads - your bank may take up to 5 working days to transfer funds (once received, funds

will appear on your Card within 24 hours)

Yes, see ‘Contact Numbers’ section in this booklet for Card Services phone numbers and

visit www.cashpassport.com/sainsburysbank for reload details

Reloads appear on your Card instantly

Move money from one Currency on your Card to another

No Yes Yes

Get a PIN reminder No Yes Yes

Check my balance Yes Yes Yes

Get back the money I haven’t spent (cash out) Yes No Yes

Tell you my Card is lost/stolen/damaged Please call Card Services straight away (see ‘Contact Numbers’ section)

When you use your Card overseas, you may get the choice of paying in Pounds Sterling. By choosing to pay in the local currency instead, you may avoid an extra foreign exchange conversion at additional cost to you.

Things you can do with your Card

Things you shouldn’t do with your Card

Whilst your Card is really adaptable, it’s not suitable for everything. You shouldn’t use your Card as a deposit with car hire companies, hotels or cruise lines. This is because they will estimate the final bill and will require a sum of money to be

reserved on your Card to cover this. You will not be able to spend the reserved amount for some time. When using your Card at automated fuel pumps, a fixed amount is reserved. You may prefer to use your Card to pay for fuel inside the petrol station.

Buy presents for yourself, friends and family – in shops and online!

Pay for meals and trips out

Withdraw local currency from ATMs

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Remember that if you do not have enough funds to pay for a purchase in the relevant Currency on your Card, the rest will be taken from another Currency on your Card, and you will pay a foreign exchange fee. Please look at the Fees and Limits table to find out more.

Reserve a hire car

Use it as a payment guarantee to reserve a hotel room

Use it for spending on board cruises

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Your Card is smartYour Card can carry multiple Currencies every time you travel and always knows which Currency to use. Load it with British Pounds Sterling, Euros, US Dollars, Australian Dollars, Canadian Dollars, New Zealand Dollars or South African Rand, and keep it loaded with the relevant Currency. If you don’t have enough of the local Currency on your Card then it can hunt through the other Currencies on your Card, in the order described above, to see if they can cover the bill. Please bear in mind that you will be charged a foreign exchange fee, should this occur. You can view this in the Fees and Limits table.

Here for the long haulYour Card isn’t just for one trip; you can use it again and again (up to the expiry date shown on the Card) and simply reload it when you next go travelling#. You can keep your Card free of charge for 12 months from the date you last bought something, made a withdrawal at an ATM or added money to your Card. If there hasn’t been any activity on your Card (such as a purchase, withdrawal, or reload) for 12 months or longer, then you may incur a fee. This is shown in the Fees and Limits table.

Keeping you on trackIf you have a problem using your Card, here are the things you should check first.

# Subject to Card limits

If none of the above applies to or resolves your query, then it’s worth reviewing the Frequently Asked Questions in this booklet and online at www.cashpassport.com/sainsburysbank

Check that you have enough money on the Card for the purchase you wish to make.

Check that you are using the correct PIN. The ‘How do I? Can I?’ section of this Welcome Booklet advises you how to get a reminder.

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Check that the merchant you are purchasing from accepts MasterCard®.

Your Card has maximum limits on how much you can withdraw or spend, for example a maximum daily amount that you can spend in a shop. These limits are shown in the Fees and Limits table. In addition, some ATMs may have their own limits.

Can I change my PIN?Yes, you can change your PIN at any participating UK ATM that accepts MasterCard® cards.

My Card has been lost/stolen/damagedCall Card Services straight away. A team of friendly and expert staff is ready to help you and, subject to availability, can offer emergency cash (up to the balance of the Card) and/or a Replacement Card.

Will my Card work anywhere in the world?Your Card will work nearly everywhere in the world where the MasterCard Acceptance Mark is displayed. Please visit the ATM locator section at www.cashpassport.com/sainsburysbank for a list of countries where you cannot use your Card. You can use your Card to pay in any currency, although bear in mind that you will have to pay a foreign exchange fee, if it is a currency not listed on your Card, or you have insufficient funds in that Currency on your Card. This is shown in the Fees and Limits table in this booklet.

Need some help?Card Services are here for you 24 hours a day, 7 days a week, on email, online and on the phone.

EmailIf you have a general Card query, you can email cardservices@ accessprepaidww.com

OnlineThe website contains useful Card and travel information www.cashpassport.com/sainsburysbank

PhoneSee Contact Numbers on the back page.

Frequently Asked Questions

Fees and Limits These fees and limits can change. You can find out more in your terms and conditions. We keep the latest version online at www.cashpassport.com/sainsburysbank

^ If the Currency of your transaction matches one of the Currencies on the Card and there are sufficient funds in that Currency to cover the whole transaction, the ATM fee for that Currency will be applied. If the Currency of your transaction does not match one of the Currencies on the Card or there are insufficient funds in the relevant Currency to cover the whole transaction, then the GBP ATM fee will be applied and will be converted into the last Currency being used to fund the transaction at a foreign exchange rate determined by MasterCard on the day the transaction is processed.

^^ A foreign exchange rate will apply if transferring funds to another Currency. The Currency exchange rate is selected from the range of rates available in wholesale currency markets (which vary each day), together with a margin.+ If, following the debit of any monthly inactivity fee, the Card Fund balance is less than the fee, we will waive the difference.** The amount that can be loaded/reloaded will vary depending on which channel you choose, i.e. online, instore, telephone or internet banking. Check www.cashpassport.com/sainsburysbank for more information

* Merchant transactions and ATM withdrawals in a currency other than a Currency available on the Card will be exchanged to a Currency on the Card at an exchange rate determined by MasterCard® on the day the transaction is processed, increased by 5.75% (the foreign exchange fee).

Fees This table shows the limits on using your Card. The limits are given in GBP but they include all the Currencies loaded on to the Card. LimitsThis table shows how much you pay for different Sainsbury’s Bank Multi-currency

Cash Passport™ services.

Card fee FREE

Fee for loads and reloads into GBP purse (also known as reload fee) 2%

Fee for loads and reloads converted into all other Currencies on your Card (also known as reload fee) FREE

Paying in shops, restaurants, hotels and online(some merchants may charge an extra fee)* FREE

Using an ATM (some ATM operators charge an extra fee)*^

GB£1.50 EU€1.75 US$2.30 AU$2.30 CA$2.40 NZ$3 ZAR20

Withdrawing cash over the counter in a bank GB£4 EU€4.70 US$6.20 AU$6 CA$6.40 NZ$8 ZAR50

Additional Card FREE

Cashing out at a participating Sainsbury’s Travel Money bureau FREE

Cashing out through Card Services (except in an emergency) GB£6

Shortfall fee (applied if your balance falls below zero) GB£10 EU€15 US$15 AU$20 CA$20 NZ$25 ZAR140

Replacement Card FREE

Currency transfer fee^^

(moving funds from one Currency to another) Foreign exchange rate will apply

Not using your Card for a long time? If you don’t use your Card for 12 months, this fee (also known as inactivity fee) will be taken off your balance each month+

GB£2

Foreign exchange fee* 5.75%

Maximum (re)load and maximum total balance allowed on your Card, at any one time (including all Currencies)** GB£5,000

Maximum load and reload over 12 months(the most you can load onto all prepaid cards issued to you by us during any 12-month period, including all Currencies)

GB£30,000

Minimum load and reload GB£50

Withdrawing cash from ATMs(some operators may set their own limits) GB£500 per 24 hours

Withdrawing cash over the counter in a bank GB£150

Spending money in shops, restaurants etc. (some merchants may set their own limits) GB£3,000 per 24 hours

Maximum number of Additional Cards 1

Card lifetime See Card for expiry date

Maximum number of tries when entering your PIN Three in each 24-hour period

Maximum number of active Card accounts at any one time 1

† Please remember to add the international prefix of the country you are in at the beginning of this number (in most cases 00). Calls to this number are not free of charge.

Calling from Call free on (please note, charges may apply if calling from a hotel or mobile)

Australia 1800 098 231Brazil (from landline only) 0800 892 3560France 0800 916 940New Zealand 0800 444 691South Africa 0800 982 674Spain 900 958 973UK 0800 056 0572USA/Canada 1 877 465 0085Anywhere in the world +44 207 649 9404†

(including The Caribbean)

Contact NumbersIf you need to report a Card lost, stolen or damaged or have a query that is about your Card account, you can call Card Services on:

www.cashpassport.com/ sainsburysbankand register your Card on ‘My Account’ to check your balance and view your transactions

For more information

CP10588/V1/1214

Important InformationSainsbury’s Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury’s Supermarkets Ltd is an appointed representative of Sainsbury’s Bank plc.

Sainsbury’s Bank Multi-currency Cash Passport™ is issued by R. Raphael & Sons plc, pursuant to license by MasterCard International Inc. MasterCard is a registered trademark of MasterCard International Incorporated.